Do you have people in your life who would be financially affected if you died?

Why you need to know this: If you have anyone in your life who will be in deep financial trouble if you die, you should get life insurance.

If you have a terminal disease, you're more likely to stop caring about keeping yourself healthy. Hey, you've only got so many days left, so might as well live life to the fullest! But, if you have life insurance, and your insurance company is making sure you're doing everything you're suppose to be doing to stay healthy because they are betting their money on you, you might stop thinking about the day you die, and start thinking about the days you'll live.

Drew Magary writes some of the best longreads on Deadspin, and this story about the premature birth of his son ranks among my favorites. But what I especially love about this particular story is Magary's honesty when it comes to money.